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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,428 | $101,778-35.7% | $164,975-60.3% | $80,925-19.1% |
| Participation rate | 64.6% | 71.8%-7.3pp | 78.6%-14.1pp | 67.7%-3.1pp |
| Annual return | 13.52% | 16.73%-3.2pp | 70.12%-56.6pp | 35.65%-22.1pp |
| Employer contribution / active EE | $2,853 | $2,954-3.4% | $4,343-34.3% | $2,756+3.5% |
| Participant deferral / active EE | $5,532 | $4,477+23.6% | $6,033-8.3% | $4,299+28.7% |
| Admin fee / account holder | $2,935 | $8,221-64.3% | $12,688-76.9% | $6,940-57.7% |